Are you receiving multiple calls from one of the numbers below? Most likely, you are being contacted by a Collection Agency called National Recovery Agency. Would you like to end the Harassment? Know Your Rights. Collection Agencies have strict laws they need to abide by. If you are receiving harassing or annoying calls from this company, Protecting Consumer Rights can help!

Are you receiving multiple calls from one of the numbers below? Most likely, you are being contacted by a Collection Agency called National Recovery Agency. Would you like to end the Harassment? Know Your Rights. Collection Agencies have strict laws they need to abide by. If you are receiving harassing or annoying calls from this company, Protecting Consumer Rights can help!

They are scavenger debt collectors who buy old accounts; they have so many diff numbers and bad account info

FRANK G

Nov 09th, 2011

calls cell when they shouldn't

me

Oct 11th, 2011

Collection agency calling for person I never heard of.. asked to be removed from calling list 9/29/11

tiredofcalls

Sep 29th, 2011

asked for someone I didn't know..when I said wrong # they said well this person gave your phone number as a reference?..no clue..said Portfoliorecove

lynx

Aug 19th, 2011

If you are receiving repeated, misdirected, and/or abusive calls from a third party debt collector, you may find relief in the provisions of the FDCPA, the federal law which regulates collector behavior and provides you simple tools for your own defense. It grants you control of how you are contacted, the right to dispute debt claims, and the means to sue at low cost. Learn your rights and first response tactics at FTC-dot-gov. See also your state laws for additional support.

http://www.ftc.gov/os/statutes/fdcpajump.shtm

In a somewhat related note, PRA slapped up a softsoaping ''resolution center'' website in January 2011 and promptly spammed a bunch of consumer forums to promote it. PRA had just finished merging and rebranding its municipal debt collection subsidiaries and evidently was desperate to play spin doctor in any forum bearing complaints, possibly anticipating a fresh wave of hatred from people being hassled over parking tickets. The not-very-resolving website is of course misleading and faulty in many ways, designed in part to make people forget their rights. Another reason to stay on a paper trail.

Almost forgot .... Please take misinformers like Lou with a pound of rock salt. My reply from 12 July is here:
http://whocalled.us/lookup/914-513-0163

Resident47

Aug 05th, 2011

A few thoughts, Jennie ....

You should be certain HSBC was not the underwriter of a card with a separate brand. That may explain missing or not connecting a dunning letter to the current calls. Let's assume a moment you can be held liable for PRA's claim ....

You are owed a prompt dunning letter after the initial communication, and really your request for one needs to be in print, so the rep was partly right. Let's say 29 July was your first contact. By law you need that letter in your box by next week.

I've a hard time believing PRA dunned you over a month ago without calling. If the rep snowed you, trying to make it seem you've blown your dispute window, you can start taking notes for a FDCPA lawsuit. If you did get dunned and you missed your 30-day reply window, you can and should still dispute, and revoke call permission if you like, but PRA is no longer obliged to validate.

Maybe it will turn out you're really not the alleged debtor, which gets this queen in trouble with the correct target for violating that person's privacy. Now you are safe to send a cease-comm letter and wait to see if they are stupid enough to ignore it.

I would not rely on email communication. Keep the exchange on real paper. You might need it if things turn ugly, and the courts may not accept anything electronic. Send all mail via USPS Certified with card. The FTC and many consumer watchdogs explain how to draft the appropriate letters.

Resident47

Aug 05th, 2011

Woman from "Portfolio Recovery" stated that she was calling in regard to collect a debt for a credit card issued through HSBC Orchard Bank in the amount of $220.00, REALLY???.... Um, I don't have one of those and never did but I explained I would be happy to discuss the matter with her company after I have the opportunity to review a statement or transaction summary. She said they sent a notice in the mail back in June, told her I didn't receive it and asked for an emailed statement. she said she couldn't email me anything without me first sending an email to help.portfoliorecovery.com requesting it. SHOCKER!! This company is completely BOGUS!!

Jennie

Jul 29th, 2011

Sending cease and desist legal notices does not work! File a complaint with your State's Attorney General, along with documented times/dates of calls or contact. You can also file complaints at FTC.gov but don't expect a reply from them.
Contacting your State Representatives to request new law enactment against these "loop holers" is the only way to prosecute them for their actions. (State of Missouri has already done so).
Contacting them will only provide proof that you are indeed their target debt holder, even if it was "charged off" years ago.
Be proactive and push for laws against them in your State. The old ones allow them to continue their harassment.
DON'T TALK TO THEM!!!

Lou

Jul 11th, 2011

Another of many numbers from Portfolio Recovery to add to the block list, no one answers when I picked up, no messages left on other calls not answered.